Essential winter preparations for your home and car

Winter season has officially settled in across South Africa, and homeowners and motorists are encouraged to take proactive steps to prepare their properties and vehicles for this colder season. Winter often brings with it a range of unexpected challenges, many of which can be avoided with a little foresight.

Winter in South Africa does not just bring cold weather, it brings unforeseen costs that may require one to pay out of pocket. From fire hazards, burst geysers, and leaking roofs to dead car batteries, the season can be financially draining if you’re not prepared. Hence, it is important to make sure your car and home are adequately covered during these cold months.

Adding to the financial pressure, homeowners could spend up to 60% more on their electricity bills during winter, according to a report. This spike is often due to increased use of heaters, electric blankets, and geysers.

A season of risk and opportunity

Many winter-related issues can be prevented. A leaking roof might only become obvious after a heavy downpour, and a neglected chimney can become a fire hazard. Similarly, cold weather can drain car batteries faster, leaving drivers stranded.

Smart planning helps you save

Homeowners and motorists are encouraged to take a few simple steps to winter-proof their homes and vehicles:

• Inspect roofs and gutters for leaks or blockages and conduct the necessary maintenance if needed.
• Service or change your car battery in the wintertime if it is two years or older, and regularly check antifreeze levels to prevent hard starts in your vehicle.
• Regular maintenance and cleaning of fireplaces and chimneys should be done to prevent fire hazards.
• Use gas heaters safely and ensure installations are certified.
• Check your insurance cover to ensure it reflects any new appliances or home improvements.

Insurance as a financial safety net

Unexpected events can derail even the most carefully planned budgets. Insurance is more than just a monthly expense; it is an important part of financial resilience. “Short-term insurance helps you avoid large, unexpected costs that can set you back financially. It’s about peace of mind, being able to recover quickly when things go wrong, and avoiding tapping into your savings by paying out of pocket.

Protection starts with preparation

Winter does not have to be a season of stress. Choosing cost-effective, safe alternatives for heating and power, along with the appropriate insurance cover, ensures that households can stay warm and secure this winter and always.

* Sibeko is the executive head of personal lines at Miway Insurance.

PERSONAL FINANCE